Early retirement, Finances

What’s your savings rate and are you getting it right?

The savings rate is lauded as one of the most crucial bits of information in the FI armoury, and I can see why. Simply put, this is the proportion of your take-home pay that you save or invest potentially towards FIRE (financial independence / early retirement). In fact, I estimated my savings rate when I… Continue reading What’s your savings rate and are you getting it right?

Finances, Frugal living, parenting

Motherhood and FI: Family, finance and frugality

Does it add up? Most female financial independence (FI) bloggers I've noticed are single without children (just the UK?). Yet, there are many father bloggers. Lots of FIers are couples, some with kids, though many who blog about FI are male. So, the pool of female FI bloggers is smaller to start with. Then, there's… Continue reading Motherhood and FI: Family, finance and frugality

Early retirement, Goal setting, Midlife gap year, Personal development

Human wholeness – in the pursuit of FI

Earning the surplus time to eventually focus on me in a Meaningful Way. This includes realigning my relationships with the world. A bit like a life physio. That's in short what I want out of financial independence (FI) / early retirement.  "The whole is greater than the sum of its parts' For so long I've… Continue reading Human wholeness – in the pursuit of FI

Goals, Lifestyle, Personal development

What’s better than happiness?

There's a lot written about happiness, and these days, we even search for life hacks to overcome “hedonic adaptation” – how you're initially very happy with a new situation or purchase but soon return to your 'happiness set point’*. Happiness sells. And you can see why; it's the prototypical, unadulterated positive emotion. Who wouldn't want… Continue reading What’s better than happiness?

Frugal living, Lifestyle, Minimalism

My unwritten rules for living (frugally)

I was planning to blog about frugality. Taking in the bigger pictures, this got me thinking about certain unwritten rules I generally abide by that have got me to the stage I'm at now on my Path to Life 2. I say unwritten rules, because it’s only by reading about those early in their FI… Continue reading My unwritten rules for living (frugally)

Early retirement, Investment strategy, Lifestyle, pensions

Can YOU predict your future financial needs?

I’ve had a few days to let my numbers sink in now. That's since this happened. I knew I had some savings. I knew I had a relatively generous pension. I was knee-deep in researching SIPPs to divert my savings tax-efficiently* into passive tracker funds that are inaccessible until 57 years (for me anyway). Tax… Continue reading Can YOU predict your future financial needs?

Goal setting, Goals, Midlife gap year, Personal development

The secret life of an FIer

Over the last year, I've been reading lots of FI* books and blogs, squirreling away ideas and mulling them over in my head. There were some good principles, but frankly I wasn't sure how to implement what I was learning as actually I wanted to take a year out... I wanted to be FI now!… Continue reading The secret life of an FIer